(In per cent)

Ratios

As on March 31

State Bank of India

State Bank of Bikaner& Jaipur

State Bank of Hyderabad

State Bank of Indore

2006

2007

2006

2007

2006

2007

2006

2007

(1)

(2)

(3)

(4)

(5)

(6)

(7)

(8)

1.

Cash-deposit ratio

5.70

6.68

7.52

12.83

6.69

6.92

6.88

6.71

2.

Credit-deposit ratio

68.89

77.46

73.27

72.07

61.32

67.73

71.28

76.85

3.

Investment-deposit ratio

42.77

34.25

36.57

30.49

41.90

33.54

30.68

30.00

4.

(Credit+Investment)-deposit ratio

111.65

111.70

109.84

102.56

103.22

101.27

101.96

106.84

5.

Ratio of deposits to total liabilities

76.93

76.87

78.85

82.53

83.74

84.61

80.44

81.45

6.

Ratio of term deposits to total deposits

52.45

51.52

57.94

64.99

65.66

68.62

69.17

70.82

7.

Ratio of priority sector advances to total advances

30.56

30.24

41.30

41.03

41.68

38.99

42.85

37.46

8.

Ratio of term loan to total advances

53.89

53.68

48.08

54.05

58.14

59.86

55.69

59.03

9.

Ratio of secured advances to total advances

76.76

75.61

88.23

86.01

80.12

79.70

88.61

89.04

10.

Ratio of investments in non-approved securities

14.98

18.84

4.39

3.21

5.54

4.47

8.53

5.79

to total investments

11.

Ratio of interest income to total assets

7.54

7.45

7.72

8.08

7.28

7.78

7.03

7.55

12.

Ratio of net interest margin to total assets

3.27

3.03

3.90

3.45

2.90

3.02

2.88

2.58

13.

Ratio of non-interest income to total assets

1.56

1.09

0.97

1.17

1.22

1.02

1.30

0.95

14.

Ratio of intermediation cost to total assets

2.46

2.23

2.98

2.43

2.16

1.80

2.11

1.81

15.

Ratio of wage bills to intermediation cost

69.28

67.09

65.03

63.33

65.10

60.84

53.94

54.59

16.

Ratio of wage bills to total expense

25.29

22.50

28.52

21.79

21.51

16.71

18.18

14.59

17.

Ratio of wage bills to total income

18.71

17.53

22.32

16.63

16.56

12.46

13.67

11.64

18.

Ratio of burden to total assets

0.90

1.14

2.01

1.26

0.95

0.78

0.81

0.86

19.

Ratio of burden to interest income

11.92

15.33

26.04

15.56

12.99

10.06

11.51

11.38

20.

Ratio of operating profits to total assets

2.37

1.89

1.89

2.19

1.95

2.24

2.07

1.72

21.

Return on assets

0.89

0.84

0.53

0.89

1.13

1.14

0.76

0.87

22.

Return on equity

17.04

15.41

10.73

19.99

22.01

21.72

14.48

17.31

23.

Cost of deposits

4.85

4.68

4.50

5.23

4.98

5.36

4.61

5.46

24.

Cost of borrowings

5.30

6.09

3.58

4.25

5.45

5.86

4.57

5.02

25.

Cost of funds

4.88

4.79

4.46

5.19

4.99

5.37

4.61

5.43

26.

Return on advances

7.62

8.29

8.59

9.40

8.15

9.03

8.08

8.78

27.

Return on investments

7.77

7.37

8.85

8.85

8.21

7.93

7.76

8.07

28.

Return on advances adjusted to cost of funds

2.74

3.50

4.12

4.21

3.16

3.67

3.48

3.35

29.

Return on investments adjusted to cost of funds

2.89

2.58

4.38

3.66

3.22

2.57

3.15

2.64

30.

Business per employee (in Rs.lakh)

299.23

357.00

276.85

368.09

414.34

473.64

367.97

476.67

31.

Profit per employee (in Rs.lakh)

2.17

2.37

1.20

2.57

3.26

3.92

2.09

2.91

32.

Capital adequacy ratio

11.88

12.34

12.08

12.89

12.08

12.51

11.40

11.77

33.

Capital adequacy ratio - Tier I

9.36

8.01

8.50

7.79

8.95

8.25

7.55

6.74

34.

Capital adequacy ratio - Tier II

2.52

4.33

3.58

5.10

3.13

4.26

3.85

5.03

35.

Ratio of net NPA to net advances

1.88

1.56

1.18

1.09

0.36

0.22

1.83

1.04

Source : Annual accounts of banks of respective years.

(In per cent)

Ratios

As on March 31

State Bank of Mysore

State Bank of Patiala

State Bank of Saurashtra

State Bank of Travancore

2006

2007

2006

2007

2006

2007

2006

2007

(9)

(10)

(11)

(12)

(13)

(14)

(15)

(16)

1.

Cash-deposit ratio

4.56

9.52

4.47

5.66

5.97

7.02

4.76

7.95

2.

Credit-deposit ratio

71.81

74.77

65.66

73.42

61.00

70.11

72.57

80.00

3.

Investment-deposit ratio

34.78

31.74

37.53

31.54

42.81

31.71

40.89

30.86

4.

(Credit+Investment)-deposit ratio

106.59

106.51

103.20

104.96

103.81

101.82

113.46

110.86

5.

Ratio of deposits to total liabilities

84.65

82.04

81.92

82.56

83.74

83.86

81.59

81.55

6.

Ratio of term deposits to total deposits

64.49

68.05

70.42

72.76

63.64

66.66

69.60

71.67

7.

Ratio of priority sector advances to total advances

42.45

36.31

37.87

34.58

41.61

41.64

41.10

39.92

8.

Ratio of term loan to total advances

56.60

60.67

59.61

62.36

46.98

51.87

47.86

52.08

9.

Ratio of secured advances to total advances

86.09

88.40

84.83

90.31

76.15

74.48

85.98

87.12

10.

Ratio of investments in non-approved securities

6.26

4.77

5.97

4.05

8.14

5.72

4.29

2.24

to total investments

11.

Ratio of interest income to total assets

7.50

7.82

6.77

7.15

7.45

7.57

7.57

8.11

12.

Ratio of net interest margin to total assets

3.41

3.09

2.74

2.50

3.03

2.61

3.15

3.25

13.

Ratio of non-interest income to total assets

1.87

1.39

0.95

0.76

0.67

0.64

1.16

0.64

14.

Ratio of intermediation cost to total assets

2.84

2.43

1.68

1.49

1.95

1.84

2.08

1.85

15.

Ratio of wage bills to intermediation cost

58.09

56.48

60.84

60.74

74.41

66.74

64.02

63.55

16.

Ratio of wage bills to total expense

23.78

19.19

17.92

14.72

22.81

18.08

20.49

17.50

17.

Ratio of wage bills to total income

17.59

14.93

13.25

11.41

17.90

14.98

15.28

13.43

18.

Ratio of burden to total assets

0.97

1.05

0.73

0.72

1.29

1.20

0.93

1.21

19.

Ratio of burden to interest income

12.91

13.36

10.75

10.14

17.28

15.86

12.24

14.95

20.

Ratio of operating profits to total assets

2.44

2.04

2.01

1.78

1.75

1.41

2.22

2.03

21.

Return on assets

1.23

1.10

0.73

0.77

0.31

0.46

0.86

0.86

22.

Return on equity

25.62

24.00

14.17

15.52

6.79

8.66

21.02

22.26

23.

Cost of deposits

4.51

5.18

4.59

5.25

4.97

5.56

5.00

5.21

24.

Cost of borrowings

4.30

2.33

6.89

2.21

3.62

3.77

0.34

0.18

25.

Cost of funds

4.51

5.07

4.66

5.13

4.88

5.46

4.89

4.96

26.

Return on advances

8.50

9.00

8.03

8.72

7.62

8.35

7.90

8.62

27.

Return on investments

7.66

7.86

7.16

6.73

9.11

9.03

8.47

8.75

28.

Return on advances adjusted to cost of funds

4.00

3.93

3.37

3.59

2.74

2.89

3.01

3.67

29.

Return on investments adjusted to cost of funds

3.15

2.79

2.50

1.60

4.23

3.57

3.59

3.79

30.

Business per employee (in Rs.lakh)

290.00

398.00

493.01

599.54

303.94

343.00

381.19

506.13

31.

Profit per employee (in Rs.lakh)

2.22

2.60

2.66

3.24

0.64

1.21

2.34

2.96

32.

Capital adequacy ratio

11.37

11.47

13.67

12.38

12.03

12.78

11.15

11.68

33.

Capital adequacy ratio - Tier I

7.44

6.62

9.96

8.36

9.02

8.17

7.24

7.55

34.

Capital adequacy ratio - Tier II

3.93

4.85

3.71

4.02

3.01

4.61

3.91

4.13

35.

Ratio of net NPA to net advances

0.74

0.45

0.99

0.83

1.16

0.70

1.47

1.08

Source : Annual accounts of banks of respective years.